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This is how you skip the ‘forever home’ waitlist. Here’s the secret: Start with a starter home, cozy up for 2 years, then level up and let the first one work for you as a rental. Before you know it, you’re unlocking the door to your dream home, with your rentals footing the bill. Living the dream, and living for free! Congratulations, you just hacked the homeowner’s game! 📌 SAVE this for later and follow @vickiephillipsteam for your mortgage tips! #HomeownerHacks #RealEstateGoals #DreamHomeHustle #RentalIncomeSecrets #PropertyLadderTips #InvestmentProperty #SmartHomeBuying #FinancialFreedom #vickiephillipsteam #uhmchatt

🌱📦 😄✨ I recently came across this great planter idea on my newsfeed and decided to give it a whirl. And you know what…I’m pretty darn proud of how it turned out! Sometimes when I attempt to replicate ideas, from social media they don’t turn out so well lol 🌿🎉Now the challenging part will be to keep it alive 🤪 #ProudPlanterCreations #GardenersDelight #BotanicalMasterpieces

Buyer Tip: 4 Common Mortgage Fears Feeling uneasy about the mortgage process? Let’s quickly debunk some common fears: ✅ Down Payment Hurdles: You don’t always need 20%! Many loans offer lower down payments, and PMI can help bridge the gap. Plus, check out down payment assistance programs! ✅ Credit Score Jitters: A perfect score is great, but not a must. Options like FHA loans are more forgiving, and your score mainly affects your rate, not your qualification. ✅ Worried About Monthly Payments? Build an emergency fund covering 6 months of expenses, mortgage included, for peace of mind. ✅ Debt Concerns: It’s all about your debt-to-income ratio. If it’s high, a smaller mortgage might be your key to approval. ⁣ .⁣ .⁣ .⁣ .⁣ .⁣ #happysaturday #investingtips #firsttimehomebuyer #saturdayvibes #investor #finance #mortgagelender #saturdays #smile #mortgage #mortgagetips #moneymaking #love #money #investing #dreamhome #mortgagerates #beautiful #wealth #saturdaymotivation #property via #vickiephillipsteam #uhmchatt

Our new program lets us qualify your clients based on their gross income on their 1099, not just their net income. That means if their 1099 shows $100,000, we use THAT figure to qualify them. If your clients have faced hurdles getting pre-approved in the past, let’s change that. Call me today.👇🏻 📲(423)320-8208 📧[email protected] #chattanoogamortgage #mortgagelender #mortgage #realestate #mortgagebroker #realtor #realtors #loanofficer #mortgageloanofficer #homeloans #lending #homeloan #mortgageloans #chattanoogalender #chattanoogabroker #mortgage #chattanooga #mortgageloanofficer #chattanoogahomes #northgeorgiahomes #chattanoogarealestate #chattanooga #chattanoogalender #georgiamortgage #mortgageloans #vickiephillipsteam #uhmchatt #unionhomemortgagechattanooga

Welcoming the New Year with open arms and hearts full of joy! Here’s to new beginnings, endless possibilities, and a year filled with happiness. Happy New Year! 🎉 #chattanoogamortgage #mortgagelender #mortgage #realestate #mortgagebroker #realtor #realtors #loanofficer #mortgageloanofficer #homeloans #lending #homeloan #mortgageloans #chattanoogalender #chattanoogabroker #mortgage #chattanooga #mortgageloanofficer #chattanoogahomes #northgeorgiahomes #chattanoogarealestate #chattanooga #chattanoogalender #georgiamortgage #mortgageloans #vickiephillipsteam #uhmchatt #unionhomemortgagechattanooga

🌟 Shoutout to Mike Rice and his incredible pawpaw homeless ministry in Chattanooga, Tennessee! 🙌🏼 This man has a heart of gold and has built something truly special that has become a tremendous blessing to the homeless community in our city. 💕 Let’s take a moment to appreciate and celebrate Mike Rice for his huge heart and the incredible work he does. 🌈 If you’re looking for a way to make a difference, consider supporting his ministry or volunteering your time to help out. Together, we can continue to spread love and kindness throughout our beautiful city. 💪🏽❤️ #CommunityHeroes #HomelessMinistry #ChattanoogaStrong

🏠🎉 Exciting News! 🎉🏠 Our favorite homebuilders, GT Issa, is back with their annual year-end incentive program! Don’t miss out on this amazing opportunity to own your dream home with an incredible offer. 🏡✨ Introducing the Builder’s Interest Rate Buy-Down: For the first two years, GT Issa will be buying down the buyer’s interest rate, making homeownership even more affordable and accessible. 📉💰 Take advantage of this limited-time offer and secure your future in a beautiful GT Issa home. Whether you’re a first-time buyer or looking to upgrade, this is the perfect chance to make your move. ✅💪 Hurry and contact us today to learn more about this exclusive incentive program. Don’t let this opportunity pass you by! 📞📲 #GTIssa #HomebuildersAnnualIncentiveProgram #chattanoogarealtor #chattanooga #BuyersDreamComeTrue #AffordableHomeownership #LimitedTimeOffer

#chattanoogamortgage #mortgagelender #mortgage #realestate #mortgagebroker #realtor #realtors #loanofficer #mortgageloanofficer #homeloans #lending #homeloan #mortgageloans #chattanoogalender #chattanoogabroker #mortgage #chattanooga #mortgageloanofficer #chattanoogahomes #northgeorgiahomes #chattanoogarealestate #chattanooga #chattanoogalender #georgiamortgage #mortgageloans #vickiephillipsteam #uhmchatt #unionhomemortgagechattanooga

👻🎃Don’t be spooked by mortgage rates! 😱Let’s take the fear out of homebuying together! Reach out for a treat today 👻 #chattanoogamortgage #mortgagelender #mortgage #realestate #mortgagebroker #realtor #realtors #loanofficer #mortgageloanofficer #homeloans #lending #homeloan #mortgageloans #chattanoogalender #chattanoogabroker #mortgage #chattanooga #mortgageloanofficer #chattanoogahomes #northgeorgiahomes #chattanoogarealestate #chattanooga #chattanoogalender #georgiamortgage #mortgageloans #vickiephillipsteam #uhmchatt #unionhomemortgagechattanooga